Mohamed Ahmed Abdelraouf
Credit & Collection
Cairo
Summary
Responsible Collections Specialist looking for position with increased responsibility. Proficient in consumer finance products, compliance requirements and payment schedules. Accurate in processing payments and efficient in completing daily tasks in fast-paced environments.
Overview
6
6
years of professional experience
4
4
years of post-secondary education
Work History
Collections Team Leader
Aman For Financial Services
Maadi ,Cairo
01.2020 - Current
- Initiated repossession process or service disconnection upon failure of other collection methods.
- Prevented impending loss and increased profitability by enforcing scheduled collection campaigns, consistently achieving targeted recovery rate.
- Compiled and analyzed data for review by senior management of loan loss reports to measure portfolio performance.
- Worked with customer to create debt repayment plan based on current financial condition.
- Listened to customers and negotiated solutions that met creditor and debtor needs.
- Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices.
- Processed debtor payments and updated accounts to reflect new balance.
- Entered client details and notes into system for interdepartmental access and review.
- Advised customers of alternative actions and strategies for debt repayment.
- Deployed automated system tracking and skip tracing to locate hard-to-find, re-located customers.
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
- Worked to maintain outstanding attendance record, consistently arriving to work ready to start immediately.
- Drove operational improvements which resulted in savings and improved profit margins.
- Maintained energy and enthusiasm in fast-paced environment.
Senior Collections Administrator
Aman For Financial Services
Maadi, Cairo
04.2019 - 01.2020
- Preparing monthly domain and allocate them between agencies as per achievement.
- Preparing weekly reports for high risky cases.
- Track fraud cases until they are discovered and referred to legal department.
- Review and analyze to effectively manage portfolio.
- Contact with customers who have complaint or inquiry related to collection with to solve it.
- Preparing collectors performance file and discussing it with
the manager to improve performance. - Preparing all administrative work related to collection department
Credit Officer
Aman For Financial Services
Sheikh Zayed, Giza
03.2018 - 04.2019
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Optimized credit approval and collection processes, improving operational efficiencies.
- Obtained and reviewed credit reports, credit references, and financial statements to establish credit limits for new accounts.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Monitored client abilities and account information to determine appropriate credit approval decisions.
Credit Officer
The First For Micro Finance
Downtown, Cairo
01.2017 - 03.2018
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Optimized credit approval and collection processes, improving operational efficiencies
Education
Bachelor of Business Administration - Systems And Information Management
El Jazeera Academy
Cairo 09.2012 - 05.2016
Skills
MS Office (Power BI, Excel, power point )
undefinedTimeline
Collections Team Leader
Aman For Financial Services
01.2020 - Current
Senior Collections Administrator
Aman For Financial Services
04.2019 - 01.2020
Credit Officer
Aman For Financial Services
03.2018 - 04.2019
Credit Officer
The First For Micro Finance
01.2017 - 03.2018
Bachelor of Business Administration - Systems And Information Management
El Jazeera Academy
09.2012 - 05.2016
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